[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XFRRM6SVST8MSD2V278QQ1":3,"skill-same:01M6XFRRM6SVST8MSD2V278QQ1":52},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":25,"linkOnly":26,"markdownContent":27,"markdownBody":28,"frontMatter":29,"refName":30,"commitSha":31,"skillDirectory":32,"forksCount":33,"repositoryHtmlUrl":34,"repositoryHomepageUrl":6,"ownerHtmlUrl":35,"ownerBlogUrl":6,"ownerDescription":36,"updatedAt":37,"install":38,"resources":51},"01M6XFRRM6SVST8MSD2V278QQ1","coverage-gap-analysis-2",null,"当用户需要分析家庭或个人保障缺口时使用此 skill。适用于保障现状盘点、需求测算、缺口识别、配置建议等场景。","FDU-INS\u002FInsurance-Skills","FDU-INS","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F167067594?v=4","01M6XEYMRS4CVJMZ834YWE66BV","FDU-Insurance","01M6XEYMXPDA34HFM0ZE6AY78G",82,"Apache-2.0","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fcoverage-gap-analysis-2\u002FSKILL.md",[],[19,20,21,22,23,24],"analysis","coverage","gap","gap analysis","coverage gap analysis","coverage gap analysis 2","2026-11-10 10:12:30",false,"---\nname: coverage-gap-analysis-2\ndescription: 当用户需要分析家庭或个人保障缺口时使用此 skill。适用于保障现状盘点、需求测算、缺口识别、配置建议等场景。\n---\n\n# 保障缺口分析助手 (Coverage Gap Analysis Assistant)\n\n你是一名经验丰富的保险规划师，目标是帮助用户全面盘点现有保障，科学测算保障需求，识别保障缺口并提供配置建议。\n\n## 工作目标\n\n围绕用户的保障情况，产出结构化、可量化、可执行的缺口分析报告。优先帮助用户解决以下任务：\n\n1. 盘点现有保障情况\n2. 测算保障需求\n3. 识别保障缺口\n4. 提供配置优先级建议\n5. 生成保障规划方案\n\n## 默认工作方式\n\n### 1. 明确分析对象\n- 家庭结构\n- 收入支出\n- 资产负债\n- 现有保单\n- 保障需求重点\n\n### 2. 搭建分析框架\n- 家庭财务分析\n- 风险敞口识别\n- 保障需求测算\n- 现有保障盘点\n- 缺口分析\n- 配置建议\n\n### 3. 输出结论要求\n- 先结论，后解释\n- 量化缺口\n- 明确优先级\n- 考虑预算\n\n## 输出模板\n\n### 模板 A：快速分析\n1. 现有保障盘点\n2. 保障需求\n3. 主要缺口\n4. 建议\n\n### 模板 B：标准分析\n1. 家庭画像\n2. 风险分析\n3. 需求测算\n4. 现有保障\n5. 缺口分析\n6. 配置建议\n7. 保费预算\n\n### 模板 C：深度规划\n- 摘要\n- 家庭财务全景\n- 风险敞口分析\n- 各险种需求测算\n- 现有保单评估\n- 缺口量化\n- 配置方案\n- 保费规划\n- 动态调整建议\n\n## 常用分析工具\n\n### 需求测算公式\n- 寿险：负债 + 教育 + 赡养 +5-10 年支出\n- 重疾：治疗 + 康复 +3-5 年收入\n- 医疗：300-600 万\n- 意外：年收入 5-10 倍\n\n### 优先级排序\n1. 医疗险\n2. 意外险\n3. 重疾险\n4. 寿险\n\n## 写作要求\n\n- 专业、清晰、量化\n- 表格化呈现\n- 优先级明确\n- 建议可落地\n\n## 最终交付标准\n\n- 盘点完整\n- 测算合理\n- 缺口清晰\n- 建议可执行\n","# 保障缺口分析助手 (Coverage Gap Analysis Assistant)\n\n你是一名经验丰富的保险规划师，目标是帮助用户全面盘点现有保障，科学测算保障需求，识别保障缺口并提供配置建议。\n\n## 工作目标\n\n围绕用户的保障情况，产出结构化、可量化、可执行的缺口分析报告。优先帮助用户解决以下任务：\n\n1. 盘点现有保障情况\n2. 测算保障需求\n3. 识别保障缺口\n4. 提供配置优先级建议\n5. 生成保障规划方案\n\n## 默认工作方式\n\n### 1. 明确分析对象\n- 家庭结构\n- 收入支出\n- 资产负债\n- 现有保单\n- 保障需求重点\n\n### 2. 搭建分析框架\n- 家庭财务分析\n- 风险敞口识别\n- 保障需求测算\n- 现有保障盘点\n- 缺口分析\n- 配置建议\n\n### 3. 输出结论要求\n- 先结论，后解释\n- 量化缺口\n- 明确优先级\n- 考虑预算\n\n## 输出模板\n\n### 模板 A：快速分析\n1. 现有保障盘点\n2. 保障需求\n3. 主要缺口\n4. 建议\n\n### 模板 B：标准分析\n1. 家庭画像\n2. 风险分析\n3. 需求测算\n4. 现有保障\n5. 缺口分析\n6. 配置建议\n7. 保费预算\n\n### 模板 C：深度规划\n- 摘要\n- 家庭财务全景\n- 风险敞口分析\n- 各险种需求测算\n- 现有保单评估\n- 缺口量化\n- 配置方案\n- 保费规划\n- 动态调整建议\n\n## 常用分析工具\n\n### 需求测算公式\n- 寿险：负债 + 教育 + 赡养 +5-10 年支出\n- 重疾：治疗 + 康复 +3-5 年收入\n- 医疗：300-600 万\n- 意外：年收入 5-10 倍\n\n### 优先级排序\n1. 医疗险\n2. 意外险\n3. 重疾险\n4. 寿险\n\n## 写作要求\n\n- 专业、清晰、量化\n- 表格化呈现\n- 优先级明确\n- 建议可落地\n\n## 最终交付标准\n\n- 盘点完整\n- 测算合理\n- 缺口清晰\n- 建议可执行\n",{"name":5,"description":7},"main","b22eca2e974f918ce591c5b2bd829fb7510e0191","Skills\u002Fcoverage-gap-analysis-2",18,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills","https:\u002F\u002Fgithub.com\u002FFDU-INS","Fudan University Department of Risk Management and Insurance","2026-07-12 12:54:34",{"source":8,"skillName":5,"commands":39,"prompt":49,"zipAvailable":50},[40,43,46],{"tool":41,"command":42},"npx","npx skills add FDU-INS\u002FInsurance-Skills --skill coverage-gap-analysis-2",{"tool":44,"command":45},"bunx","bunx skills add FDU-INS\u002FInsurance-Skills --skill coverage-gap-analysis-2",{"tool":47,"command":48},"pnpm","pnpm dlx skills add FDU-INS\u002FInsurance-Skills --skill coverage-gap-analysis-2","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fcoverage-gap-analysis-2\u002FSKILL.md",true,[],[53,84,109,140,162,195],{"skillNo":54,"name":55,"nameZh":6,"description":56,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":57,"categories":58,"keywords":64,"publishedAt":25},"01M713QW6EGEG0YAD75440GSD0","로인장 (Roinjiang)","Activates when the user needs legal advice, contract review, insurance law consultation, startup legal support, or any legal\u002Fregulatory matter. She is a top-tier in-house lawyer with absolute loyalty to the CEO, specializing in insurance law, financial consumer protection, privacy, contracts, labor law, family law, civil and criminal matters.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002F로인장 (Roinjiang)\u002FSKILL.md",[59],{"categoryNo":60,"categoryName":61,"taxonomyType":62,"taxonomyTypeDesc":63},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[55,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,80,81,82,83],"insurance law","insurance","civil","contract","family","when","review","loyalty","with","top","contract review","ceo","support","advice","consultation","regulatory","privacy","protection","startup",{"skillNo":85,"name":86,"nameZh":6,"description":87,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":88,"categories":89,"keywords":90,"publishedAt":25},"01M713QRN8VFMA9VKS6R4DJ2WS","zocdoc-doctor-finder","Use when a user needs to find a doctor, dentist, specialist, therapist, or healthcare provider — especially when they mention insurance, in-network, availability, location, appointments, or booking. Also use for browsing provider reviews, comparing doctors by specialty, or checking if a provider takes their insurance.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzocdoc-doctor-finder\u002FSKILL.md",[],[91,92,93,94,66,95,96,70,97,98,99,100,101,102,103,104,105,106,107,108],"zocdoc doctor finder","doctor","healthcare","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","for","provider","tool","use","automation",{"skillNo":110,"name":111,"nameZh":6,"description":112,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":113,"categories":114,"keywords":120,"publishedAt":25},"01M713QKGV3FTX7EEYWKDM8ENZ","zenmux-context","Answers any question about ZenMux by reading the latest official documentation. Use this skill whenever the user asks about ZenMux product features, API usage, configuration, integration, pricing, models, providers, routing, fallback, streaming, multimodal, structured output, tool calling, reasoning, prompt caching, image generation, video generation, web search, long context, observability, logs, cost tracking, usage analytics, insurance, subscription, pay-as-you-go, invoices, best practices for tools like Claude Code, Cursor, Cline, CodeX, Gemini CLI, opencode, Cherry Studio, Obsidian, Sider, Open-WebUI, Dify, Neovate, GitHub Copilot, OpenClaw, CC-Switch, Immersive Translate, Studio Chat, architecture, benchmarks, FAQ, contact, privacy, terms of service, compliance, or any other ZenMux-related topic. Also trigger when the user writes in Chinese about ZenMux: 文档, 使用指南, 快速开始, API 参考, 最佳实践, 模型路由, 供应商路由, 订阅, 按量计费, 可观测性, 帮助, 常见问题, 接入指南, 配置. Trigger on phrases like \"how to use ZenMux\", \"ZenMux docs\", \"ZenMux API\", \"ZenMux integration\", \"ZenMux 怎么用\", \"ZenMux 接入\", \"ZenMux 配置\". Even if the user doesn't say \"ZenMux\" explicitly but asks about LLM API aggregation, model routing, provider fallback in a context where ZenMux is the project being worked on, this skill should activate.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzenmux-context\u002FSKILL.md",[115],{"categoryNo":116,"categoryName":117,"taxonomyType":118,"taxonomyTypeDesc":119},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[121,122,123,124,66,125,126,127,128,129,130,131,132,133,134,135,136,137,138,139],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":141,"name":142,"nameZh":6,"description":143,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":144,"categories":145,"keywords":146,"publishedAt":25},"01M713QHWTBG634BCBV7NBJME1","workers-comp-guide","Guide workers compensation compliance and claims management.\nTRIGGERS - Use when user needs help with workers-comp-guide related tasks.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fworkers-comp-guide\u002FSKILL.md",[],[147,148,149,150,151,66,152,153,107,70,154,73,155,156,157,158,159,160,161],"workers","comp","workers comp","workers comp guide","guide","triggers","workers-comp","tasks","claims management","claims","compliance","help","compensation","management","user",{"skillNo":163,"name":164,"nameZh":6,"description":165,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":166,"categories":167,"keywords":177,"publishedAt":25},"01M713QF45VMV1685AFNF1GPMA","weekly-kpi-report","Generate McKinsey-style board presentation PPTs from weekly auto insurance data. Automatically calculates 16+ KPIs, creates executive-level slides with actionable insights, and supports week-over-week comparisons. Use when user uploads insurance cost data (Excel\u002FCSV) and requests board report, weekly presentation, executive briefing, or mentions keywords like 董事会汇报, 周报PPT, 经营分析演示, McKinsey-style reports.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fweekly-kpi-report\u002FSKILL.md",[168,171,174],{"categoryNo":169,"categoryName":170,"taxonomyType":118,"taxonomyTypeDesc":119},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":172,"categoryName":173,"taxonomyType":118,"taxonomyTypeDesc":119},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":175,"categoryName":176,"taxonomyType":62,"taxonomyTypeDesc":63},"01JBSEEDCAT000000000000034","行政与办公人员",[178,179,180,181,182,66,183,184,185,186,70,187,188,189,190,191,192,193,107,194],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":196,"name":197,"nameZh":6,"description":198,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":199,"categories":200,"keywords":204,"publishedAt":25},"01M713QA9WJDHMNVTTY1ENRKVB","wealth-advisory","Wealth management and financial planning for HNW and UHNW clients. Activate when the user\nmentions wealth management, financial planning, retirement, estate planning, tax planning,\nGRAT, IDGT, trust, asset allocation, withdrawal rate, Monte Carlo simulation, goals-based\ninvesting, tax-loss harvesting, Roth conversion, insurance, annuity, mortgage strategy,\nconcentrated stock, family office, direct indexing, 529 plan, charitable giving, donor-advised\nfund, private foundation, or asks about personal finance strategy, inheritance, long-term\nfinancial planning, or UHNW advisory.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fwealth-advisory\u002FSKILL.md",[201],{"categoryNo":202,"categoryName":203,"taxonomyType":62,"taxonomyTypeDesc":63},"01JBSEEDCAT000000000000040","财务",[205,206,66,207,208,70,134,209,210,211,212,213,214,215,216,217,218,219,220,221],"wealth advisory","advisory","stock","inheritance","conversion","indexing","plan","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust","planning"]